Mortgage Solutions for Asset-Based Borrowers

Asset Utilization Mortgage Loans

Qualify for a mortgage if you have substantial assets, even without traditional income.

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Asset Utilization Mortgage Loan Features

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Asset Utilization Mortgage Loan

If your wealth is tied up in assets rather than a steady paycheck, this loan could be a great fit for you.

 

Features include*:

 

  • Fast processing time
  • Adjustable rate
  • No income documents needed
  • No FICO/no credit history options are available
  • Available for purchase, refinance, and cash-out transactions
  • Eligible for primary, second home, and investment properties
  • Eligible for 1–4 unit residential properties
  • Available to foreign nationals
  • Loan amount up to $3.5 million
  • 65% max LTV

 

 

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*It requires reserving 12 or 24 months of principal and interest in the 13 or 25 months term Certificate of Deposit (CD). An early withdrawal penalty will be assessed for the CD of 13 or 25 months.1,2

Terms and conditions apply.

Subject to credit approval.

Royal Business Bank Benefits

Why Choose Royal Business Bank?

We help you qualify based on your assets, like cash, stocks, or bonds, so you don’t have to rely solely on traditional income.

  • No Traditional Income Required
    Qualify based on your liquid assets instead of W-2s, paystubs, or tax returns.
  • Personalized Support
    We take the time to understand your situation and guide you through every step.
  • Decisions Made With Clarity
    Our team keeps you in the loop, so you always know what’s next.
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Is an Asset Utilization Mortgage Loan Right for You?

Thinking about an asset utilization mortgage loan? See if it’s a good fit for you.

Retirees asset utilization mortgage loan
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Retirees

Retirement doesn’t need to limit your financing options. With healthy savings or investments, you can qualify for a mortgage.

Enterpreneurs asset utilization mortgage loan
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Serial Entrepreneurs

For founders and business owners with variable income, asset-based lending offers a clear path to home financing.

Foreign national asset utilization mortgage loan
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Foreign Nationals

If your assets are in the U.S., you can use them to qualify for a mortgage. No need for U.S. income or tax documents.

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FAQs About Asset Utilization Mortgage Loans

Need a Quick Answer?

Browse our most common questions before reaching out

An asset utilization mortgage is a non-QM loan that allows you to qualify using your assets instead of your income.

Rather than relying on pay stubs or tax returns, the lender looks at your liquid assets to determine your ability to repay.

You can typically use liquid assets. This often includes:

  • Checking and savings account balances
  • Stocks, bonds, and mutual funds
  • Retirement accounts (sometimes with restrictions)
  • Money market accounts

It often works well for retirees, business owners, or investors who might not show high monthly income on paper but have strong savings, investments, or other liquid assets to qualify.

Under Asset Utilization Program, there’s no qualifying income and no Debt-To-Income Ratio. Your ability to repay will be determined based on your liquid asset, payment history and credit score.

Yes, it requires reserving 12 or 24 months of principal and interest in the 13 or 25 months term Certificate of Deposit (CD).

An early withdrawal penalty will be assessed for the CD of 13 or 25 months.